Connect your money worldwide

Pay and get paid globally. Move money where it matters: from paying your mortgage in euros to sending rupees overseas. Fast, simple and secure.

Send money nowHow our transfers work
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High speed, low fee transfers

Use our calculator to check prices for transfers in any of 40+ currencies. Whether scheduling payments or putting down deposits — over half our transfers get there in under 20 seconds.1 Use it to believe it.

Learn how to send money
 Rate guaranteed (30h)

  • Connected bank account (ACH) fee

    2.49 USD

  • Our fee

    6.97 USD

Total included fees (0.95%)

9.46 USD

  • You could save up to 37.78 USD

Should arrive by Monday

Manage money across borders with one simple account

Send money to family from the US fast, and keep money in other currencies in your account. Convert to 40+ currencies in just a tap.

Open an accountExplore the Wise account
A phone displaying the Wise app sits on a table. The app shows a USD balance and EUR balance, and transactions sending money from the account.

4.18% APY on your USD balance

4.18% APY2 (Annual Percentage Yield) on your USD Balance when you opt in to our interest feature. Enjoy the same instant access to your money, plus passthrough FDIC insurance up to $250,000 on all Eligible Balances combined through our Program Bank3.

Explore our interest feature
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All under lock and key

Every cent of the $11 billion we move each month is protected. We use HTTPS encryption and 2-step verification to make sure your transactions are secure.

Plus our customer service is here to help. We’ve got dedicated fraud and security teams if you ever need them.

Learn more
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Ready for businesses of all sizes

Pay invoices and employees worldwide, and keep your cash flow in check. Join over 400,000 freelancers, micro businesses and SMBs using Wise.

Explore Wise Business
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For people going places

"They make our life split between two continents possible. Transfers are simple and very, very fast."

Read review on Trustpilot

"Always fast transactions and good fees. An invaluable online bank for those who live outside their own country or are frequent travellers."

Megan on Trustpilot

Meet money without borders

We’re building the best way to move and manage the world’s money. Min fees. Max ease. Full speed.

Learn about our mission

Wise works nearly everywhere

Find the account details you need to get paid in any of 8 currencies. Use them to receive salaries, pension payments and more.

  1. Transaction speed claimed depends on funds availability, approval by Wise’s proprietary verification system and systems availability of our partners’ banking system, and may not be available for all transactions.
  2. Annual Percentage Yield (APY) - rates shown are true as of 08/11/2024. See Program Agreement for details.
  3. The current Program Bank is JPMorgan Chase Bank, N.A., see Appendix 1 of the Program Agreement for the most updated list of Program Bank(s). Eligible customers must opt in to the interest feature. Participants will have the balance of their USD funds held in their Wise Account “swept” into a Federal Deposit Insurance Corporation (“FDIC”) insured interest-bearing account at one or more participating banks (each, a “Program Bank”) that will hold and pay interest on the deposit funds. For a complete list of Program Banks, please see Appendix 1 of the Program Agreement. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Customers are responsible for monitoring their total assets at each of the Program Banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. The Program is not intended to be a long-term investment option, checking or savings account, investment contract or security.
    For customers opted in to receive interest on EUR and GBP balances, the FDIC passthrough insurance provided by our program bank is for up to the equivalent of $250,000 in total for your USD, EUR and GBP combined balance amounts (collectively, the “Eligible Balances”).